Federal credit union · YAKIMA, Washington · NCUA charter #2237
CALCOE
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $43.6M
- Total assets
- 3,588
- Members
- 12.2%
- Net-worth ratio
CALCOE scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $43.6M; members 3,588; net-worth ratio 12.20%; health rank #3,096 of 4,374; healthier than 28th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,096 of 4,374 health · 2025Q4CALCOE · health 77/100 · $43.6M · 2025Q4
Call Report peers
CALCOE in the assets neighbourhood
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CALCOE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CALCOE sits in 75-79 with 502 others.
77 28th percentile higher than 28% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
CALCOE vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +26.30 pp (86.10% vs 59.80%).
- Net Worth Ratio trails the peer set - 12.20% here, 14.86% peer average (-2.66 pp).
CALCOE: in-state Call Report ranks
- In Washington, health place is #62 of 75 on the same NCUA-ratio sort used nationally.
- Washington assets place: #62 of 75.
- Member book place in Washington: #58 of 75.
- One place up in Washington, EXPRESS (#61) ties at 77/100; one place down, QUALSTAR (#63) scores 76/100, 1 point lower.
CALCOE: 2025Q4 → 2026Q1
CALCOE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.5% from $43.6M (2025Q4) to $44.2M (2026Q1).
- Net-worth ratio shifted -0.01 pp (12.21% → 12.20%).
At 12.20%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 77/100 score is built
CALCOE gives up 23 points in total. Member Growth costs the most, 12.5 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 14.9 pts
- Return on Assets 15.0 pts
- Member Growth 2.5 pts
- Loan-to-Share Ratio 14.6 pts
CALCOE vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.20% | -2.66 pp |
| Delinquency Rate | 1.68% | +0.54 pp |
| Return on Assets | 0.50% | -0.20 pp |
| Member Growth | -3.63% | - |
| Loan-to-Share Ratio | 86.10% | +26.30 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
CALCOE filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $44.2M | - |
| 2025Q4 | $43.6M | 3,588 |
| 2024Q4 | $43.3M | 3,723 |
| 2023Q4 | $43.3M | 3,909 |
Credit Union Details
- Charter Number
- 2237
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Washington
- City
- YAKIMA
- Data Quarter
- 2025Q4
Branch Locations (4)
CALCOE operates 4 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| CALCOE FCU (Main Office) | Yakima, WA |
| CU*Northwest | Liberty Lake, WA |
| CALCOE FCU Moxee Branch | Moxee, WA |
| Solarity CU | Yakima, WA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Washington
A look at other Washington credit unions, ranked by how closely their peer group and asset size match this one.
CALCOE nationwide neighbourhoods
Using this data
- CALCOE ranks #3,096 of 4,374 nationally on financial health and #62 of 75 in WA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CONNECTION is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CONNECTION
Frequently Asked Questions
Is CALCOE financially healthy?
CALCOE has a financial health score of 77/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,096 of 4,374 nationally on health and #62 of 75 in Washington. Its net worth ratio is 12.20% and its delinquency rate 1.68%.
How does CALCOE compare to other credit unions?
CALCOE scores 77/100, higher than 28% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (86.10% vs 59.80%). Its widest shortfall is net worth ratio (12.20% vs 14.86%).
How can I join CALCOE?
CALCOE operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact CALCOE directly for the exact boundaries and application steps.
Is my money safe at CALCOE?
CALCOE is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. CALCOE's net worth ratio of 12.20% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.